PHOENIX - Are you the king or queen of clutter?  If so, then you should think about having less in your house and more in your bank account.

"We have too much clutter," said financial advisor Jim Dew.  "Americans have too much stuff -- a ton of stuff."

Dew said all of that stuff is costing you cash. So his advice is to do some spring cleaning.

"As you go through things, decide ... 'Am I going to keep it, throw it away, give it away or sell it?'"

If you give it away, think of donating it to a charity like Goodwill.

"Remember to keep track of everything you give away because it may be deductible," Dew said. "So it may not save you money today, but it might when you do your taxes next year."

If you want to make money today, sell your stuff. 

You can do the old-fashioned garage sale or go online and sell. There's Craigslist, plus apps like Offer Up and Letgo.

You may have the latest and greatest smartphone, but that doesn't mean your old one is worthless.

"If your phone is in good condition, it could be worth $80 to $200," Dew said. "And a charger is always worth $5 to $10, as well. "

If you don't want to sell that cellphone, there are plenty of charities that take them for domestic abuse victims, soldiers and more.

Finally, if you have so much stuff that you're stuffing it into a storage unit, you could be saving a lot of money.

"About one in 10 Americans have a storage unit," Dew said, "just because they have too much stuff to keep in their house. And this can cost $50 to $200 a month and that's a big cost."

For more financial tips, head to Jim Dew's website.